The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$98,555
−HK$6,180/mo
▼ 0.25% · 3.875%
HK$101,621
−HK$3,114/mo
Today · 4.125%
HK$104,735
baseline
▲ 0.50% · 4.625%
HK$111,108
+HK$6,373/mo
Deposit HK$21.61M · loan HK$21.61M · min. income ≈ HK$209,470/mo (50% DSR)
Upfront cash ≈ HK$23.45M (deposit + AVD stamp duty HK$1,836,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,642
−HK$5,923/mo
▼ 0.25% · 3.875%
HK$112,582
−HK$2,983/mo
Today · 4.125%
HK$115,565
baseline
▲ 0.50% · 4.625%
HK$121,657
+HK$6,092/mo
Deposit HK$21.61M · loan HK$21.61M · min. income ≈ HK$231,130/mo (50% DSR)
Upfront cash ≈ HK$23.45M (deposit + AVD stamp duty HK$1,836,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,266
−HK$7,417/mo
▼ 0.25% · 3.875%
HK$121,945
−HK$3,738/mo
Today · 4.125%
HK$125,683
baseline
▲ 0.50% · 4.625%
HK$133,330
+HK$7,647/mo
Deposit HK$17.29M · loan HK$25.93M · min. income ≈ HK$251,366/mo (50% DSR)
Upfront cash ≈ HK$19.13M (deposit + AVD stamp duty HK$1,836,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,570
−HK$7,108/mo
▼ 0.25% · 3.875%
HK$135,099
−HK$3,579/mo
Today · 4.125%
HK$138,678
baseline
▲ 0.50% · 4.625%
HK$145,988
+HK$7,310/mo
Deposit HK$17.29M · loan HK$25.93M · min. income ≈ HK$277,356/mo (50% DSR)
Upfront cash ≈ HK$19.13M (deposit + AVD stamp duty HK$1,836,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,977
−HK$8,653/mo
▼ 0.25% · 3.875%
HK$142,269
−HK$4,361/mo
Today · 4.125%
HK$146,630
baseline
▲ 0.50% · 4.625%
HK$155,552
+HK$8,922/mo
Deposit HK$12.97M · loan HK$30.25M · min. income ≈ HK$293,260/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,836,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,498
−HK$8,293/mo
▼ 0.25% · 3.875%
HK$157,615
−HK$4,176/mo
Today · 4.125%
HK$161,791
baseline
▲ 0.50% · 4.625%
HK$170,320
+HK$8,529/mo
Deposit HK$12.97M · loan HK$30.25M · min. income ≈ HK$323,582/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,836,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,399
−HK$11,125/mo
▼ 0.25% · 3.875%
HK$182,917
−HK$5,607/mo
Today · 4.125%
HK$188,524
baseline
▲ 0.50% · 4.625%
HK$199,995
+HK$11,471/mo
Deposit HK$4.32M · loan HK$38.90M · min. income ≈ HK$377,048/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,836,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,355
−HK$10,662/mo
▼ 0.25% · 3.875%
HK$202,648
−HK$5,369/mo
Today · 4.125%
HK$208,017
baseline
▲ 0.50% · 4.625%
HK$218,982
+HK$10,965/mo
Deposit HK$4.32M · loan HK$38.90M · min. income ≈ HK$416,034/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,836,896 · Scale 2, in force from 26 Feb 2026)